Our Promise: 100% Waiver Denial Refund
If Harvard rejects your PSI plan for any reason, we refund your premium in full. No hidden fees. Zero risk to you.
Harvard University Insurance Waiver Requirements
The table below lists the official waiver criteria for Fall 2026. PSI plans are designed to meet every requirement.
| Requirement | School Minimum | PSI Status |
|---|---|---|
| MA State Compliance | Plan must meet Massachusetts Minimum Credible Coverage (MCC) standards. | PSI plans for Harvard are specifically underwritten to meet or exceed MA MCC requirements. |
| US-Based Carrier | Insurance company must be headquartered and operating in the US. | PSI is a US-based provider with a domestic claims office and 24/7 service. |
| Mental Health & ROI | Must provide coverage for mental health and substance abuse parity. | Unlimited coverage for inpatient and outpatient mental health services. |
| Pre-existing Conditions | No waiting periods allowed for pre-existing conditions. | 0-day waiting period. Fully covered from the policy effective date. |
| Evacuation & Repatriation | Min. $50,000 for evacuation and $25,000 for repatriation. | $100,000 combined maximum benefit(Blue Diamond plan) (Exceeds Harvard standards). |
PSI is not affiliated with or endorsed by your university. Our plans are offered as a waiver-eligible alternative to the university's student health insurance plan.
How to Successfully Waive Harvard SHIP
Follow this guide to enter your PSI details into the online waiver system.
Purchase Harvard Compliant Plan
Select a PSI plan that meets all Harvard requirements. Complete your enrollment online to trigger the waiver documents.
Get Your Insurance Details
Check your PSI ID card for your Member ID, Group Number, and Bin Number. You will need these for the online portal.
Submit to
Log into the HUSHP Waiver Portal and provide the information or upload the form to complete your waiver.
Frequently Asked Questions
Can PSI insurance waive Harvard University insurance?
What happens if my Harvard waiver is denied?
When is the Harvard Fall 2026 waiver deadline?
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